Is Real Touch Fin overvalued or undervalued?

As of 10 November 2025, the valuation grade for Real Touch Fin has moved from fair to attractive, indicating a more favorable outlook for the company. The company is currently assessed as undervalued, particularly given its PE ratio of 12.65, EV to EBIT of 10.80, and a PEG ratio of just 0.16, which suggests strong growth potential relative to its price.
In comparison to its peers, Real Touch Fin stands out with a significantly lower PE ratio than Bajaj Finance, which is at 38.76, and a more attractive EV to EBITDA ratio compared to Bajaj Finserv at 13.13. Additionally, the company's ROE of 10.44% and ROCE of 9.41% further support its valuation position. Despite recent stock performance trailing the Sensex, with a YTD return of -40.69% compared to the Sensex's 6.91%, the long-term performance of 197.45% over three years suggests a strong recovery potential.